Cable Installer Insurance

Customized Insurance for Your Cable Installation Business

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Cable Installer Insurance That’s Made Just for You

As a cable installer, it’s no exaggeration that you spend a lot of time in other people’s homes — after all, it’s your job! But all that time spent on other people’s property can be risky for your business, especially if you don’t have the right insurance coverage. What happens if while moving furniture around during installation you damage the customer’s floors? What if you accidentally damage their electronics?

Don’t leave yourself — and your business — vulnerable. Here at Simply Business, we can build a cable installer insurance policy that’s personalized just for you.

What Insurance Do Cable Installers Need?

Since your work involves spending time in other people’s homes, you probably need business insurance that covers you in case of errors or property damages. Let Simply Business build a policy that’s personalized just for you.

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Professional Liability Insurance for Cable Installers

One insurance policy you’ll want to look into is professional liability insurance for cable installers. Otherwise known as errors and omissions insurance, this coverage protects you from claims resulting from errors or negligence while performing your job. For example, if your customer decides to sue your business for mistakes related to your cable installation services, this policy may cover damages and legal costs that you might be ordered to pay.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability coverage usually doesn’t cover:

  • Claims involving bodily injury
  • Property damage
  • Patents and trade secrets
  • And more

General Liability Insurance for Cable Installers

Next up, we highly recommend general liability insurance for cable installers. This coverage protects you from third-party claims of bodily injury or damage to someone else’s property. For example, if you damage a customer’s electronics while setting up their cable, your general liability coverage may pay for damages and legal fees.

Remember, the key here is that general liability insurance covers unintentional accidents and damage. If you were to damage a customer’s electronics intentionally (which we hope won’t happen!), your insurance won’t cover you.

Speaking of which, general liability insurance doesn’t cover:

  • Workers compensation
  • Software and tools
  • Store materials and equipment
  • Your commercial vehicle(s)

Learn more about General Liability Insurance.

Workers Compensation Insurance for Cable Installers

Do you have any full-time or part-time employees who help with your cable installation business? If so, your state may require you to have workers compensation insurance. This type of insurance coverage can pay for medical bills, lost wages, and any legal costs associated with an employee who may get sick or injured while working for you.

Having a workers compensation insurance policy is a good idea for cable installers with employees, which is why we recommend adding it to your overall cable installer insurance coverage.

Learn more about workers compensation insurance.

How Much Does Insurance for Cable Installers Cost?

Not sure how much your cable installer insurance will cost? We can help with that! The price of your policy usually depends on the following information:

  • Your employee count
  • Your company’s location
  • The type of cable installation services you provide
  • Employee payroll
  • Yearly revenue (estimate)
  • And more

Want to find out how much your insurance policy might cost? Just click here to answer a few questions about your business.